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Indemnity Plans

Also known as fee-for-service plans, this type of coverage allows the widest choice of dentists. Unlike traditional insurance, dentists are not typically reimbursed at the same rate as a PPO. As a result, you may pay more for dental care. These are the oldest and most liberal type of health insurance plan. Today these plans are fairly expensive because the insurers don't require members to use specific hospitals or doctors, so they often get no discount for services. Indemnity plans can be the best choice for people who want ultimate freedom and are willing to pay higher premiums and co-payments and don't mind extra paperwork.

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